Home Locations Customer Support

Southern Heritage Bank is a Division of
FIRST CITIZENS NATIONAL BANK

Business Credit Card

Get the credit card that helps you manage cash flow and maximize your purchasing power.

Apply Now
Access Account
First Citizens National Bank offers several types of business credit cards, including:
  • Visa® Business Card
  • Visa® Business Bonus Rewards Card
  • Visa® Business Bonus Rewards PLUS Card
  • Visa® Business Cash Card
  • Visa Signature® Business Company Card
  • Visa® CommUNITY Cash Card

Visa® Business Card

  • No annual fee
  • The best introductory offer!
  • Save on interest and pay down other credit card balances faster
  • Separate business expenses, manage cash-flow and track spending

Visa® Business Bonus Rewards Card

  • No annual fee
  • 25% monthly rewards bonus on all rewards points earned each month
  • There are no caps or limits on the points card members can earn
  • Separate business expenses, manage cash-flow and track spending

Visa® Business Bonus Rewards PLUS Card

  • $50 annual fee (Approximately 5,000 point equivalent)
  • 50% monthly rewards bonus on all rewards points earned each month
  • There are no caps or limits on the points card members can earn
  • Separate business expenses, manage cash-flow and track spending

Visa® Business Cash Card

  • 3% cash back on all net purchases from office supply stores and cellular phone, landline, internet and cable TV services
  • 2% cash back on restaurant and gasoline net purchases
  • 1% cash back on all other net purchases
  • No annual fee

Visa Signature® Business Company Card

  • Designed for medium to large size businesses
  • No annual fee
  • Generous credit lines
  • No personal guarantee required
  • Free Rewards program available

Visa® CommUNITY Card

  • Designed for nonprofits and municipalities 
  • No annual fee
  • Generous credit lines
  • No personal guarantee required
  • Free Rewards program available

 

 

 

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer